umafuaba said:ING HARD Pull for Electric ORange Checking

INGDirect said:Do you pull my credit if I apply for Electric Orange and the Overdraft Line of Credit?

Yes, as part of your application, ING DIRECT will obtain information about you from a consumer credit reporting agency (a “hard pull”) to confirm that you are eligible for Electric Orange.

Bah. Disappointing. I guess my credit monitor must have missed it. I don't remember off the top of my head which agency it monitors.

I remember Bank of America offered $100 bonus for opening a checking account last year. Waiting for similar deal again

Should online purchases count as "signature-based purchases"?

cure said:Should online purchases count as "signature-based purchases"?

This is what it says under Account Type:
Electric Orange Get a Bonus! when you click on the Bonus!

How to get your Electric Orange Bonus
· Activate your Electric Orange MasterCard@ Debit Card.
· Use your Card to make at least 3 signature-based purchases within the first 45 days. After you do that, your $50 Bonus will be automatically paid to your Electric Orange, 50 days after your account has been opened.
· Keep in mind, only one Electric Orange per customer.

What's a signature-based purchase?
It's a Card purchase made without using your Personal Identification Number(PIN) when paying. A majority of transactions don't involve a PIN and are considered signature-based purchases.

Examples of signature-based transactions include:
· Any purchases that require your signature(choosing 'Credit' instead of 'Debit') when checking out.
· Internet, phone or mail order purchases.
· Using your Card for automatic bill payments like your cell phone, cable or utilities.

Thanks OP!

Just got an email that I was approved for my $25 bonus, even though I signed up for the $50 code. That is SHADY. I am calling them now, will let you know what they say.

ING REVERSED the adjustment that they made earlier in the day. According to ANOTHER phone rep, they will be giving me the full $50 on the 45th day after the account was opened. She said the other rep should never have deposited the money in the first place, since I am on track to receive the $50. If that reversal didn't take place, I would have ended up with a $75 bonus. I have no confirmation that this full credit will be given, but she says she notated my account -which I then confirmed with another rep by calling back.

BY THE WAY - earlier today, I came here to tell you guys about my success in getting the CORRECT bonus added to my account, but in that previous (NOW EDITED POST, DUE TO A TYPO), I had mistakenly said I had signed up for a $25 code. In any case, it has been clear from the beginning that I signed up for a $50 bonus. Check out my post from October 15. http://www.fatwallet.com/forums/finance/869221/m12896133#m128961... I said "is it even worth $50 to take a hit on my credit score" - meaning I had used code EM227, and was concerned that even $50 wasn't necessarily worth the potential hit on my credit score for the overdraft protection. Just wanted to be clear that I was not in any way, shape or form trying to scam ING.

Called the CSR. He said to go ahead and wait and see what posts to my account ($25 or $50). I told him that I signed up through the ingdirect.com/electric50/ link and used the appropriate promo code. He was pretty clueless about the whole thing and kept putting me on hold to talk to his supervisor. Basically their answer was just "wait and see whatcha get." =(

Strange, I thought I posted here last month. I was one who got a $50 offer, then a few weeks ago I got an email saying I qualified for my $25 bonus. Customer service said to wait and see, so I did, and my $50 bonus was posted this morning.

The site is still up, but when I go to open it says the EM227 promo code is no longer valid. Is there a new promo code?